21世纪经济报道记者 张欣 11月3日，工商银行发布关于暂停受理部分如意金积存业务申请的公告，受宏观政策影响，根据工商银行风险管理要求，自2025年11月3日起，工商银行暂停 受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有效期内的定期积存计划的执行以及办理赎回、销户不受影 响。相关业务恢复事宜，请关注工商银行后续公告。 如意金积存业务是工商银行推出的一款黄金投资业务，简单来说，就是投资者（甲方）在工行（乙方）开立专门账户，通过买入工行指定黄金产品并存放， 后续可选择提取实物黄金或赎回的业务。 就在工行暂停部分如意积存业务前两天，11月1日，财政部、税务总局联合发布《关于黄金有关税收政策的公告》。该政策自2025年11月1日起实施，执行至 2027年12月31日，具体使用时间以发生实物交割出库事件为准。 兴业银行10月21日发布公告称，自即日起计划调整积存金活期及普通定期业务按金额购买方式的购买起点金额。按金额交易时，单次购买、新增定投购买起 点由人民币1000元起调整为人民币1200元起。按重量交易时，单次购买、新增定投购买起点为1克不变。 此次税收政策调整的核心内容包 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) will suspend the acceptance of certain "Ruyi Gold Accumulation" business applications starting November 3, 2025, due to macroeconomic policy impacts and risk management requirements [2][4][6]. Summary by Sections Business Suspension - ICBC will stop accepting new applications for account openings, active accumulation, new fixed accumulation plans, and physical gold withdrawals for the "Ruyi Gold Accumulation" business starting November 3, 2025. Existing customers can still execute their valid fixed accumulation plans and process redemptions and account closures [6]. Investment Threshold Adjustment - On October 11, 2025, ICBC announced an increase in the minimum investment amount for the "Ruyi Gold Accumulation" business from 850 yuan to 1000 yuan, while the accumulation starting point for gold by grams remains at 1 gram [6]. Market Risk Warnings - ICBC has issued multiple warnings regarding the volatility of precious metal prices throughout the year. On October 15, 2025, the bank advised investors to be aware of market changes and enhance risk awareness, suggesting that they purchase gold based on their financial situation and risk tolerance, and to diversify their investments to avoid heavy concentration in gold [9]. Other Banks' Actions - Other banks, including Bank of China and Ningbo Bank, have also raised their minimum purchase amounts for gold accumulation products in response to market conditions. For instance, Bank of China increased its minimum purchase amount from 850 yuan to 950 yuan, while Ningbo Bank raised its threshold from 800 yuan to 1000 yuan in two separate adjustments [10][12].

Market Overview - The A-share market showed mixed performance with the Shanghai Composite Index up by 0.05% while the Shenzhen Component Index and the ChiNext Index fell by 1.06% and 1.37% respectively [1] - Trading volume decreased significantly, with a half-day turnover of 1.38 trillion yuan, down by 175.5 billion yuan compared to the previous trading day [1] Index Performance - The Shanghai Composite Index closed at 3956.72, with a slight increase of 1.93 points [2] - The Shenzhen Component Index and ChiNext Index saw declines of 141.18 points and 43.58 points respectively [2] - The overall market saw 2589 stocks decline while 2674 stocks rose, indicating a bearish sentiment [2] Sector Performance - The coal sector remained active, with companies like Antai Group hitting the daily limit up, driven by high demand from steel and power industries as winter approaches [3] - The lithium battery, rare earth permanent magnet, semiconductor, and consumer electronics sectors experienced widespread declines [3] - The AIGC index surged, with stocks like Fushi Holdings and Chunzhong Technology seeing significant gains [5] Specific Stock Movements - Notable declines in the new energy vehicle sector, with stocks like Xian Dao Intelligent and Dang Sheng Technology dropping over 8% and 6% respectively [4] - In contrast, Hong Kong-listed new energy vehicle stocks like NIO and XPeng saw gains of nearly 3% [4] - The gold and jewelry index fell nearly 3%, with major stocks like Chao Hong Ji nearing their daily limit down [7] Monetary Policy - The central bank conducted a reverse repurchase operation of 783 billion yuan at a fixed rate of 1.40%, resulting in a net withdrawal of 259 billion yuan for the day [8]

11月3日，工商银行发布公告称，受宏观政策影响，根据本行风险管理要求，自2025年11月3日起，暂停 受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有效期 内的定期积存计划的执行以及办理赎回、销户不受影响。相关业务恢复事宜，请关注后续公告。 两部门明确黄金有关税收政策 财政部、国家税务总局11月1日发布公告，明确黄金有关税收政策。 根据公告，在2027年底前，对会员单位或客户通过上海黄金交易所、上海期货交易所交易标准黄金，卖 出方会员单位或客户销售标准黄金时，免征增值税。未发生实物交割出库的，交易所免征增值税；发生 实物交割出库的，区别标准黄金的投资性用途和非投资性用途，分别按规定适用增值税即征即退政策， 以及免征增值税、买入方按照6%扣除率计算进项税额政策。 业内人士表示，上述政策是对现有黄金市场政策的进一步完善，可以更好区分黄金的商品和金融属性， 且本次政策调整只是对交易所购买黄金的增值税政策进行了适当调整，对交易所外的黄金销售政策没有 变化。总体看，我国对黄金产业的税收政策支持力度要优于国际主要黄金市场政策支持力度。 中国财政科学研究院公共收入研究中心主任梁季表示， ...

11月3日，工商银行发布公告："受宏观政策影响，根据我行风险管理要求，自2025年11月3日起，我行 暂停受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有 效期内的定期积存计划的执行以及办理赎回、销户不受影响。相关业务恢复事宜，请关注我行后续公 告。" （文章来源：中国经营报） ...

新华财经北京11月3日电中国工商银行3日发布公告称，受宏观政策影响，根据该行风险管理要求，自2025 年11月3日起，该行暂停受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申 请，存量客户处于有效期内的定期积存计划的执行以及办理赎回、销户不受影响。相关业务恢复事宜，请 关注后续公告。 （文章来源：新华财经） ...

每经Al快讯 11月3日,工商银行发布公告, 受宏观政策影响,根据我行风险管理要求,自 2025年11月3日起,我行暂停受理如意金积存业务 的开户、主动积存、新增定期积存计划以及提取 实物的申请,存量客户处于有效期内的定期积存 计划的执行以及办理赎回、销户不受影响。相关 业务恢复事宜,请关注后续公告。 每日经济新闻 - 专业 深度 故事 传播 #工行暂停受理部分如意金积存业务#【工商银行：暂停受理部分如意金积存业务申请】11月3日，工商 银行发布公告，受宏观政策影响，根据我行风险管理要求，自2025年11月3日起，我行暂停受理如意金 积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有效期内的定期积 存计划的执行以及办理赎回、销户不受影响。相关业务恢复事宜，请关注后续公告。（每日经济新闻， 希隆） 電经F 5000+上市公司 2025.11.03 10:12 讯 工商银行:暂停受理部分如 意金积存业务申请 本文内容仅供参考,不构成投资建议 据此操作,风险自担 ...

在资产质量方面，今年前三季度，工行不良率1.33%，较上年末下降0.01个百分点。拨备覆盖率 217.21%，较上年末上升2.30个百分点。 前三季度，工商银行贷款投放、债券投资"两投"增加超4万亿元，增量再创新高，为实体经济持续注入 金融"活水"。工行加力支持"两重""两新"等重点领域，制造业、战略性新兴产业、绿色、普惠、民营和 涉农贷款增速均高于各项贷款平均增速。 10月30日，中国工商银行（601398）公布了2025年前三季度经营业绩报告。报告显示，报告期内，该行 总资产52.81万亿元，较上年末增长8.18%。全行营业收入、净利润实现"双正增长"，其中，实现营业收 入6109.68亿元，同比增长1.98%；实现净利润2718.82亿元，同比增长0.52%。 ...

三、中国工商银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 二、中国工商银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国工商银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 2025年10月27日，陕西金融监管局发布批复称，《中国工商银行陕西省分行关于王英军中国工商银行西 安分行副行长任职资格核准的请示》（工银陕报〔2025〕186号）及相关说明解释材料收悉。经审核， 现批复如下： 一、核准王英军中国工商银行西安分行副行长的任职资格。 ...

Core Insights - The six major state-owned banks in China reported steady profit growth for the first three quarters of 2025, with a combined net profit exceeding 1 trillion yuan [1] - Total assets of the Industrial and Commercial Bank of China (ICBC) approached 53 trillion yuan, while Agricultural Bank and China Construction Bank followed with 48.14 trillion yuan and 45.37 trillion yuan respectively, both showing asset growth rates exceeding 10% [1] Revenue Summary - In terms of revenue, ICBC led with 640.03 billion yuan, followed by China Construction Bank at 573.70 billion yuan and Agricultural Bank at 550.88 billion yuan [1] - China Bank reported the highest revenue growth rate at 2.69%, while ICBC also showed significant growth above 2% [1][2] - Other banks like Agricultural Bank, Postal Savings Bank, and Traffic Bank had revenue growth rates between 1% and 2%, while China Construction Bank experienced a slight increase of 0.82% [1] Net Interest Income and Margin - Net interest income continued to decline across most banks, with only Traffic Bank showing positive growth [2] - Postal Savings Bank had the highest net interest margin at 1.68%, despite the largest decline, while Traffic Bank's margin was 1.20%, down by 8 basis points [2] - The remaining four banks experienced a similar decline of around 15 basis points in net interest margin [2] Net Profit Analysis - ICBC reported the highest net profit at 269.91 billion yuan, followed by China Construction Bank at 257.36 billion yuan and Agricultural Bank at 220.86 billion yuan, with Agricultural Bank showing the highest year-on-year growth of 3.03% [2] - Traffic Bank had the lowest net profit at 69.99 billion yuan [2] Asset Quality - As of September, Postal Savings Bank maintained the best asset quality with a non-performing loan (NPL) ratio of 0.94%, despite a slight increase from the previous year [2] - Traffic Bank's NPL ratio was 1.26%, showing the largest decline of 0.05 percentage points, while Agricultural Bank and China Construction Bank also reported slight decreases in their NPL ratios [3] Provision Coverage - Agricultural Bank led in provision coverage ratio at 295.08%, while Traffic Bank, ICBC, and China Construction Bank also saw improvements in their coverage ratios compared to the previous year [3]